Instrumental Wealth LLC

Item 5 Fees and Compensation
Instrumental Wealth offers services on a fee basis, which includes fixed fees, as well as fees based
upon assets under management. Additionally, certain of the Firm's Supervised Persons, in their
individual capacities or through the Firm or an affiliate, offer insurance products under a separate
commission-based arrangement.

Financial Planning and Consulting Fees
Instrumental Wealth charges a fixed fee for providing financial planning and consulting services. These
fees are negotiable, but range from $1,000 to $15,000, depending upon the scope and complexity of
the services and the professional rendering the financial planning and/or the consulting services. The
fee can be for a defined project, such as the delivery of a plan, or for ongoing services. If the client
engages the Firm for additional investment advisory services, Instrumental Wealth can offset all or a
portion of its fees for those services based upon the amount paid for the financial planning and/or
consulting services.

The terms and conditions of the financial planning and/or consulting engagement are set forth in the
Advisory Agreement. For project-based services Instrumental Wealth typically requires one half of the
fee(estimated hourly or fixed) payable upon execution of the Advisory Agreement. The outstanding
balance is due upon delivery of the financial plan or completion of the agreed upon services. Ongoing
services are generally charged as described in the investment management section, below. The Firm
does not, however, take receipt of $1,200 or more in prepaid fees, six or more months in advance of
services rendered.

Although this describes our typical Financial Planning and/or Consulting arrangement, we may enter
into customized arrangements with certain clients that deviate from the fees described above. These
arrangements can include non-advisory services but may result in financial planning being rendered in
conjunction with those other services. In these cases, our fees will differ from those described above.
Due to the fact that certain consulting arrangements as such are custom, the terms will be determined
and negotiated on a case-by-case basis with the client, at the onset of the engagement. The breadth of
services to be rendered and billing terms will be outlined in the agreement signed by the client prior to
the start of the engagement.

Investment Management Fees
Instrumental Wealth offers investment management services for an annual fee based on the amount of
assets under the Firm's management. This management fee varies in accordance with the following
tiered fee schedule:

          PORTFOLIO VALUE                                              BASE FEE
          First $100,000                                               1.50%
          Next $150,000                                                1.35%
          Next $250,000                                                1.25%
          Next $1,500,000                                              1.00%
          Next $3,000,000                                              0.75%
          Amounts more than $5,000,000                                 0.50%

The annual fee is prorated and charged monthly, in advance, based upon the market value of the
assets being managed by Instrumental Wealth on the last day of the previous month as determined by
a party independent from the Firm (including the client's custodian or another third-party). If assets are

deposited into or withdrawn from an account after the inception of a billing period, the fee payable with
respect to such assets is not adjusted to reflect the interim change in portfolio value. For the initial
period of an engagement, the fee is calculated on a pro rata basis. In the event the advisory
agreement is terminated, the fee for the final billing period is prorated through the effective date of the
termination and the outstanding or unearned portion of the fee is charged or refunded to the client, as
appropriate.

Assets in each of your account(s) are included in the fee assessment unless specifically identified in
writing for exclusion. Additionally, the 529 accounts will be assessed advisory fees on a separate flat
rate basis of 1.0%. This fee may be negotiated at the discretion of Instrumental Wealth.

For asset management services the Firm provides with respect to certain client holdings(e.g., held
away assets, accommodation accounts, alternative investments, etc.), Instrumental Wealth can
negotiate a fee rate that differs from the range set forth above. Clients are advised that a conflict of
interest exists for the Firm to recommend that clients engage Instrumental Wealth for additional
services for compensation, including rolling over retirement accounts or moving other assets to the
Firm's management. Clients retain absolute discretion over all decisions regarding engaging the Firm
and are under no obligation to act upon any of the recommendations.

For those assets "held away," the Firm charges an annual fee for services which is deducted from an
account under being managed by the Firm. These fees may be taken quarterly, in advance (rather
than monthly as described above) or by other means such as invoicing. Fees are based on the assets
within these accounts at a rate agreed upon according to the valuation of the accounts as valued by
the account custodian.

Retirement Plan Consulting Fees
Instrumental Wealth charges as fixed project-based fee to provide clients with retirement plan
consulting services. Each engagement is individually negotiated and tailored to accommodate the
needs of the individual plan sponsor, as memorialized in the Agreement. These fees vary, based on
the scope of the services to be rendered, and ranges as disclosed above, depending upon services
provided and the amount of assets to be advised on.

Technology Fee
For clients with less than $50,000 in assets under management with Instrumental Wealth, the Firm will
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Item 7 Types of Clients
Instrumental Wealth offers services to individuals, trusts, estates, charitable organizations,
corporations and other business entities, pension, and profit-sharing plans. In general, we require a
minimum of $250,000 to open and maintain an advisory account. At our discretion, we may waive this
minimum account size. For example, we may waive the minimum if you appear to have significant
potential for increasing your assets under our management.